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The Crucial Function of Computer File Shredders -
by: Peter Emerson
An unpleasant aspect of modern life is the fact that thieves can steal files from computers. Personal emails, business plans, private documents, trade secrets, and online histories can all be devastating if they fall into the wrong hands. It is a good idea for people or businesses to have a type of file shredding software that keeps thieves and hackers from being able to obtain this type of information. File shredders are available for all major computer platforms, including Microsoft Windows, Apple, and Linux. File shredders are usually very reasonably priced; most cost under $30, and some are even free.

Many people mistakenly think that computer files can be easily deleted from the computer’s hard drive. They believe that a file is permanently gone once it is put in the trash or recycling bin and the bin is emptied, but the truth is that the files are still on the computer; they are just slightly more difficult to access. Recovery software is available that can bring back previously deleted files. People must use special software to permanently remove files for the computer’s hard drive.

There are many reasons to use file shredders. They can erase confidential information so that others will not be able to view it. File shredders can delete the entire hard drive, including all files, folders, and previously deleted material. File shredders can also delete emails and all history of online activity.

People may need to regularly delete sensitive material from their computers. Doctors, lawyers, and psychologists need to be especially careful about maintaining their clients’ confidentiality. Businesspeople need to keep certain trade secrets and business plans secret from their competitors. Also, any financial records, credit card numbers, and bank account information should be protected as well. File shredders can be easily used to permanently delete all of this material. With most file shredders, all it takes is a simple drag and click to permanently remove files.

It is a good idea to erase the entire hard drive of a computer before disposing of it. If another person obtains the computer, they can access anything that the previous owner had on it if the hard drive is not erased. Financial records, credit card numbers, personal information, and histories of website visits will all be out in the open for the new owner to view. File shredders can prevent this from happening.

File shredders are valuable for all computer users. Anyone who ever purchased anything over the Internet, written a personal letter to someone, or stored confidential business information on their computer would be well advised to use a file shredder.

About the author:
Shredders Info provides detailed information about paper, file, and chip shredders, and more. Shredders Info is affiliated with Business Plans by Growthink.

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How to Find the Best Low APR Credit Cards
 by: Morgan Hamilton

Low APR credit cards are much more prevalent than in years past. Competition is stiff and credit card financial institutions offer many nice perks, rewards, points, low annual percentage rates (APR) and other inducements. They want to capture new customers who've never had a credit card but also those who already have a credit card and might like to save money by transferring that card's balance on to their new low APR credit cards.

Of course, there is nothing lower in an APR than zero - and those exist too, although sometimes for a limited time period. It may be that the lowest, or even the zero percentage APR is for an introductory period, after which the rate is higher. The permanent APR is what you want to watch out for, of course. Although if you're not opposed to doing a lot of switching, you can always purchase a low APR credit card, or zero percentage APR credit card, transfer the balance from your current high APR credit card, and then, once the introductory time period has expired and the APR is about to go up on your newest credit card, transfer the balance yet again to a brand new low APR credit card.

Let's look at a few of the low APR credit cards out there, so you know what kinds of options are typically available to you.

Citibank, for example, offers low APR credit cards that give you five percent cash back on any purchase you making at grocery stores and gas stations with your low APR credit card, and one percent back for any purchase elsewhere. The APR on transfers is zero for the first year. If your transfer transaction is at least $1500 you will earn $5 cash back with the low APR credit card. There is no annual fee and the APR after the first year is 12.24 percent.

Discover has a platinum clear card whose low APR is continual. The first year the APR is zero, but after the first year it's still a very competitive 9.99 percent. And there is no annual fee. With these low APR credit cards you earn a five percent cash back bonus on purchases made from hardware and home improvement retailers, restaurants, book vendors, and gas stations. If the retailer doesn't qualify you for the five percent discount you will always get one percent back no matter what you buy and from where with this low APR credit card.

Chase Bank offers low APR credit cards as well. Its zero percent APR is good for six months, after which you will pay 10.49 percent. These low APR credit cards have no annual fee, and offer rewards at the rate of one point for every dollar spent with your Chase card. You can get free airline flights and hotel rooms, as well as cruises and auto rentals. This card also provides $500,000 worth of travel insurance for worldwide vacationing. You can also take advantage of a fifteen percent discount off a Hertz car rental with these low APR credit cards.


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